Thank you everyone, I really appreciate your input. I have only cruised once so far - Carnival Sensation in 2007 - and I want to also cruise (at least) NCL, RCL, Princess and Holland before I retire. That will be in 2021 if I can afford to retire early or in 2027 if I can't.

Once I do retire, I will have more time and money to cruise more often, I will already know which one(s) are my favorites.

Well Holland America is geared more towards older people, so you might not like that. A lot of people do say that the food is not as good on holland america.